本文件为保存的工具记录。下方按原有字段排版，未增加业务结论。
{
"schema": "trade_compliance.payment_financing_comparison_result.v1",
"case_id": "ADHOC-L01-20260908",
"as_of": "2026-09-08",
"base_currency": "CNY",
"options": [
{
"option_id": "L01-L04_CURRENT_TERMS",
"label": "现行付款条件及两档保证金压力",
"comparison_status": "COMPARABLE",
"base_currency": "CNY",
"cash_timeline": [
{
"day": 30,
"sequence": 0,
"cash_event_kind": "customer_receipts",
"cash_change_base": 2000000.0,
"closing_cash_balance_base": 2000000.0,
"funding_required_base": 0.0,
"next_interval_days": 0
},
{
"day": 30,
"sequence": 1,
"cash_event_kind": "supplier_payments",
"cash_change_base": -2000000.0,
"closing_cash_balance_base": 0.0,
"funding_required_base": 0.0,
"next_interval_days": 0
}
],
"peak_funding_base": 0.0,
"cash_amount_days": 0.0,
"weighted_funding_days": 0.0,
"funding_annual_rate_percent": 4.8,
"funding_cost_base": 0.0,
"bank_fee_base": 0.0,
"fx_cost_base": 0.0,
"risk_reserve_base": 0.0,
"customer_financing_income_base": 0.0,
"worst_case_credit_exposure_base": 2000000.0,
"recoverable_security_base": 0.0,
"net_worst_case_exposure_base": 2000000.0,
"net_financing_spread_base": 0.0,
"ending_uncovered_cash_exposure_base": 0.0,
"risk_notes": [
"我司为开证申请人并承担本票银行义务",
"35%仅为未触发压力测试"
],
"security_conditions": [
"不得预测商品价格或自行决定银行比例",
"不得据测算批准付款"
],
"lc_margin_pressure": {
"applicability": "SCENARIOS_SUPPLIED",
"scenarios": [
{
"scenario_id": "L01_TRIGGERED_30PCT",
"comparison_status": "COMPARABLE",
"action": "HOLD",
"trigger_day": 2,
"trigger_status": "TRIGGERED",
"lc_or_bank_obligation_base": 2000000.0,
"margin_requirement_percent": 30.0,
"required_margin_base": 600000.0,
"existing_margin_base": 400000.0,
"additional_margin_required_base": 200000.0,
"available_margin_or_credit_base": 150000.0,
"additional_margin_cash_gap_base": 50000.0,
"decision_boundary": "已触发且具证据的追加保证金资金缺口未覆盖；暂停以该情景为前提的开证、修改或付款指令，由具名财务、业务负责人及银行确认后再推进。"
},
{
"scenario_id": "L03_STRESS_35PCT",
"comparison_status": "COMPARABLE",
"action": "REVIEW",
"trigger_day": 5,
"trigger_status": "NOT_TRIGGERED",
"lc_or_bank_obligation_base": 2000000.0,
"margin_requirement_percent": 35.0,
"required_margin_base": 700000.0,
"existing_margin_base": 400000.0,
"additional_margin_required_base": 300000.0,
"available_margin_or_credit_base": 150000.0,
"additional_margin_cash_gap_base": 150000.0,
"decision_boundary": "仅为输入条件下的压力测算，不代表银行已追保、已批准额度或同意继续开证；须由具名财务、业务负责人及银行复核触发事实、额度和保证金要求。"
}
],
"overall_action": "HOLD"
},
"internal_business_boundary": "净利差只反映已输入的资金与费用项目；最坏风险敞口仅来自具证据的信用敞口和可回收担保，不由现金余额推定；不代表低风险、可融资、已获额度或可直接执行。",
"customer_proposal_boundary": "对客草稿只可呈现已批准的付款节点、费用承担和有效期；不得披露内部资金成本、准备金或净利差。"
}
],
"internal_ranking_by_net_financing_spread": [
{
"option_id": "L01-L04_CURRENT_TERMS",
"net_financing_spread_base": 0.0,
"peak_funding_base": 0.0,
"risk_notes_present": true,
"lc_margin_overall_action": "HOLD"
}
],
"internal_tradeoff_view": [
{
"option_id": "L01-L04_CURRENT_TERMS",
"net_financing_spread_base": 0.0,
"peak_funding_base": 0.0,
"weighted_funding_days": 0.0,
"net_worst_case_exposure_base": 2000000.0,
"risk_notes": [
"我司为开证申请人并承担本票银行义务",
"35%仅为未触发压力测试"
],
"security_conditions": [
"不得预测商品价格或自行决定银行比例",
"不得据测算批准付款"
],
"lc_margin_pressure": {
"applicability": "SCENARIOS_SUPPLIED",
"scenarios": [
{
"scenario_id": "L01_TRIGGERED_30PCT",
"comparison_status": "COMPARABLE",
"action": "HOLD",
"trigger_day": 2,
"trigger_status": "TRIGGERED",
"lc_or_bank_obligation_base": 2000000.0,
"margin_requirement_percent": 30.0,
"required_margin_base": 600000.0,
"existing_margin_base": 400000.0,
"additional_margin_required_base": 200000.0,
"available_margin_or_credit_base": 150000.0,
"additional_margin_cash_gap_base": 50000.0,
"decision_boundary": "已触发且具证据的追加保证金资金缺口未覆盖；暂停以该情景为前提的开证、修改或付款指令，由具名财务、业务负责人及银行确认后再推进。"
},
{
"scenario_id": "L03_STRESS_35PCT",
"comparison_status": "COMPARABLE",
"action": "REVIEW",
"trigger_day": 5,
"trigger_status": "NOT_TRIGGERED",
"lc_or_bank_obligation_base": 2000000.0,
"margin_requirement_percent": 35.0,
"required_margin_base": 700000.0,
"existing_margin_base": 400000.0,
"additional_margin_required_base": 300000.0,
"available_margin_or_credit_base": 150000.0,
"additional_margin_cash_gap_base": 150000.0,
"decision_boundary": "仅为输入条件下的压力测算，不代表银行已追保、已批准额度或同意继续开证；须由具名财务、业务负责人及银行复核触发事实、额度和保证金要求。"
}
],
"overall_action": "HOLD"
}
}
],
"recommendation_boundary": "排序仅按明确输入的净利差；必须连同峰值资金占用、风险备注和担保条件由具名业务及财务人员判断，不能把高收益写成低风险。",
"execution_status": "CALCULATION_ONLY_NO_PAYMENT_OR_FINANCING_EXECUTED"
}